Overview
Banks

THE TOWA BANK,LTD.

Towa Bank is a regional bank headquartered in Maebashi, Gunma Prefecture, providing comprehensive financial services including deposit-taking, lending, domestic and foreign exchange operations to individuals and businesses primarily in the Gunma region and surrounding areas. The Bank operates through its head office and branch network, offering trust agency services, investment trust sales, and insurance products. Its group includes two consolidated subsidiaries: Towa Bank Lease Co., Ltd. (leasing) and Towa Card Co., Ltd. (credit card services).

Market Cap
¥44.2B
US$282M
EV
¥—B
Stock¥1,244▼-0.80%
US$1 = ¥156.80 (2026-10-23)
ROE
-34.5%
* LTM NI / end-of-period equity
PBR
0.5
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+12.6%pt
100
Oct 24, 25 – Oct 23, 26StockTOPIX
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Performance & Balance
Revenue 5Y (¥B)
36.9US$235M'22/333.5US$214M'23/334.1US$218M'24/337.8US$241M'25/343.5US$277M'26/3
Net Income 5Y (¥B)
1.75US$11.1M'22/34.09US$26.1M'23/33.53US$22.5M'24/34.52US$28.8M'25/3-24.5-US$156M'26/3
Capital Structure
100%
EquityD/E 0.00xDebt
Liquidity vs Debt 5Y (¥B)▲ Net Cash
CashInv. Sec.Debt
376US$2.40B'22/3188US$1.20B'23/3195US$1.24B'24/3167US$1.07B'25/3281US$1.79B'26/3
Shareholders
Top 10 hold 29.9%
1
The Master Trust Bank of Japan, Ltd. (Trust Account)
12.41%
2
Custody Bank of Japan, Ltd. (Trust Account)
6.18%
3
THE TOWA BANK,LTD. Employee Stock Ownership Association
2.61%
4
MURAKAMI TAKATERU (Standing Proxy: Mita Securities Co., Ltd.)
1.49%
5
JP MORGAN CHASE BANK 385781 (Standing Proxy: Mizuho Bank, Ltd.)
1.34%
6
STATE STREETBANK AND TRUSTCOMPANY 505223 (Standing Proxy: Mizuho Bank, Ltd.)
1.29%
7
Koseikai Social Welfare Corporation
1.21%
8
Kanto Kensetsu Kogyo Co., Ltd.
1.16%
9
STATE STREETBANK AND TRUSTCOMPANY 505001 (Standing Proxy: Mizuho Bank, Ltd.)
1.13%
10
The Gunma Bank,Ltd.
1.11%
Management
10 officers
Isao KITAZUME
Representative Director, President and Executive Officer
Apr 1987 Joined Towa Bank Oct 2008 Manager, Kagohara Branch Apr 2013 Manager, Isesaki Branch Apr 2016 Executive Officer, Manager, Isesaki Branch Jun 2016 Executive Officer, General Manager, Relationship Banking Promotion Department Jun 2019 Director, Executive Officer, General Manager, Relationship Banking Promotion Department; General Manager, Relationship Banking Strategy Department Jun 2020 Director, Senior Managing Executive Officer Jun 2025 Representative Director, Deputy President and Executive Officer Jun 2026 Representative Director, President and Executive Officer (current)
1964-07-16
Susumu OKABE
Representative Director, Senior Managing Executive Officer
Apr 1985 Joined Towa Bank Oct 2008 Manager, Hasuda Branch Jul 2014 Deputy General Manager, General Planning Department Feb 2018 General Manager, General Planning Department Jan 2020 Executive Officer, General Manager, General Planning Department Jun 2022 Managing Executive Officer, General Manager, General Planning Department; Director, Towa Bank Economic Research Institute Jun 2024 Director, Managing Executive Officer Jun 2026 Representative Director, Senior Managing Executive Officer (current)
1962-11-15
Shinichiro SUZUKI
Director, Senior Managing Executive Officer
Apr 1985 Joined The Nippon Credit Bank, Ltd. (now Aozora Bank, Ltd.) Jun 2017 Joined Towa Bank; General Manager, International Department Jun 2018 Executive Officer, General Manager, International Department; General Manager, Operations and Systems Department Jun 2020 Director, Managing Executive Officer, General Manager, Customer Asset Formation Department Jun 2023 Director, Managing Executive Officer Jun 2025 Director, Senior Managing Executive Officer (current)
1962-04-22
Tsuyoshi MIZUGUCHI
Director
Apr 1984 Joined Nichimen Corporation Oct 1989 Joined Eiwa Audit Corporation Sep 1990 Joined TAC Co., Ltd. Apr 1997 Lecturer, Faculty of Economics, Takasaki City University of Economics Apr 2000 Associate Professor, Faculty of Economics, Takasaki City University of Economics Oct 2001 Awarded Doctor of Business Administration by Meiji University Apr 2008 Professor, Faculty of Economics, Takasaki City University of Economics Apr 2017 Vice President and Board Member, Takasaki City University of Economics Jun 2019 Outside Director, Towa Bank (current) Apr 2021 President, Takasaki City University of Economics (current) Apr 2021 Vice Chairman of the Board of Trustees, Takasaki City University of Economics (current)
1962-01-14
Mikiko SAITO
Director
Apr 1998 Joined Dentsu Inc. Mar 2005 Established Saito Mikiko Office Co., Ltd. (now SMO Co., Ltd.); Representative Director (current) Jun 2021 Outside Director, Valqua, Ltd. (current) May 2025 Outside Director, Hi-Day Hidaka Co., Ltd. (current) Jun 2025 Outside Director, Towa Bank (current)
1975-08-10
Hiroyuki SAKURAI
Full-time Audit and Supervisory Board Member
Apr 1980 Joined Towa Bank Jun 2007 Deputy General Manager, General Planning Department Jun 2008 General Manager, Examination Department Oct 2009 General Manager, General Planning Department Jun 2011 Executive Officer, General Manager, General Planning Department Jun 2013 Managing Executive Officer, General Manager, Tokyo Branch Jun 2014 Director, Managing Executive Officer Jun 2017 Director, Senior Managing Executive Officer Jun 2020 Director, Deputy President and Executive Officer Sep 2020 Representative Director, Deputy President and Executive Officer Jun 2025 Full-time Audit and Supervisory Board Member (current)
1957-12-26
Nobuyuki SAKURADA
Full-time Audit and Supervisory Board Member
Apr 1987 Joined Towa Bank Jun 2013 Manager, Higashidaira Branch Jun 2016 Manager, Tsuruse Branch Jun 2018 Deputy General Manager, Internal Audit Department Jun 2019 General Manager, Internal Audit Department Jun 2024 Full-time Audit and Supervisory Board Member (current)
1963-07-17
Junko SAITO
Audit and Supervisory Board Member
Apr 1972 Hired as Tax Official Jul 2007 Deputy Director, Ageo Tax Office Jul 2009 Tax Inspector, National Tax Agency (assigned to Kanto-Shinetsu Regional Taxation Bureau) Jul 2011 Chief Tax Consultant, Tax Consultation Office, General Affairs Department, Kanto-Shinetsu Regional Taxation Bureau Jul 2012 Director, Isesaki Tax Office Jul 2014 Retired Aug 2014 Registered as Certified Tax Accountant; Representative, Junko Saito Tax Accountant Office (current) Jun 2022 Part-time Audit and Supervisory Board Member, Towa Bank (current)
1953-05-18
Ryo FUNAKI
Director
Sep 2007 Joined Linklaters Gaikokuho Kyodo Jigyo Law Office Oct 2008 Joined Okonogi Law Office (now Ryoma Law Corporation) Apr 2021 Co-Representative, Ryoma Law Corporation (current) Jun 2026 Outside Director, Towa Bank (current)
1983-01-21
Yoko TANAKA
Audit and Supervisory Board Member
Oct 2000 Joined Ota Showa & Co. Century Audit Corporation (now EY ShinNihon LLC) Apr 2005 Registered as Certified Public Accountant Nov 2010 Representative, Yoko Tanaka CPA Office (current) Jun 2026 Part-time Audit and Supervisory Board Member, Towa Bank (current)
1973-04-07
Large Shareholding Reports
No filings
Disclosures
No disclosures
Primary Source Filings
EDINETAmended
2026-08-06
Amended Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnetAmended
2026-08-04
Full-Year Earnings Flash
FY ending Mar 2026
TDnet
2026-08-04
Q1 Earnings Flash
FY ending Mar 2027
EDINET
2026-06-18
Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2026-02-03
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2025-11-12
Semi-Annual Securities Report
Period: Apr 2025 – Sep 2025
TDnet
2025-08-05
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-25
Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2025-02-07
Q3 Earnings Flash
EDINET
2024-11-13
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2024-08-05
Q1 Earnings Flash
EDINET
2024-06-28
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINET
2024-02-06
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2023-11-14
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-08-07
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINET
2023-06-30
Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2023-02-07
Quarterly Securities Report
Period: Oct 2022 – Dec 2022
EDINET
2022-11-15
Quarterly Securities Report
EDINET
2022-08-05
Quarterly Securities Report
EDINET
2022-06-30
Annual Securities Report
EDINET
2022-02-08
Quarterly Securities Report
EDINET
2021-11-18
Quarterly Securities Report
EDINET
2021-08-06
Quarterly Securities Report
EDINET
2021-06-25
Annual Securities Report
EDINET
2021-02-08
Quarterly Securities Report
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